Fernleigh Wearden & Company Ltd
Independent Financial Advisers
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One of our advisers will ring you back by the end of the next working day, at the time you asked for.
In a hurry? Call us on 01772 864314, 9am–5pm Monday to Friday.
Tools
See the shape of your money before you have to live it. Try the calculator, then find out what a full model adds.
What cashflow modelling is
Cashflow modelling maps what you have, what you are putting in and what you will need — then tests it against good years and bad ones.
A pension statement tells you a number. It does not tell you whether that number is enough, when you could stop working, or what happens if markets fall the year you retire. Cashflow modelling answers those questions by projecting your whole financial life forward, year by year.
Most people find they are closer than they feared. Some find they need to change something. Either way you find out while there is still time to act, which is the entire point of doing it early.
Cashflow modelling
Cashflow modelling is how we turn a pension statement into a plan. It maps what you have, what you're putting in and what you'll need — then tests it against good years and bad ones, so you can see whether you're on track while there's still time to do something about it.
The question behind almost every first meeting. Modelling gives you a date rather than a feeling.
A market fall, a care cost, a redundancy at 58. We run the plan against the bad years too.
Small adjustments made early beat large ones made late. The model shows which lever matters most.
Your figures
Growth assumption
Illustrative value after charges
Roughly £0 in today's money, once 2.5% yearly inflation is taken off.
On these figures, charges of 1.20% a year would take £0 out of your pot over 15 years. Being independent and whole of market means we're free to choose from every provider — and keeping that number down is one of the most reliable ways to improve an outcome, because unlike growth, it's the part you can actually control.
This is an illustration, not advice and not a prediction. It uses standardised growth rates of 2%, 5% and 8% a year for lower, middle and higher scenarios, in line with the approach used for regulatory projections. These rates are assumptions chosen for illustration. They are not a forecast and they are not based on the past performance of any investment, fund or portfolio recommended by Fernleigh Wearden & Company Ltd.
Past performance is not a reliable indicator of future results. The value of investments and the income from them can fall as well as rise and you may get back less than you put in. Actual returns will differ from those shown and will depend on your own investments, the charges that apply to them, tax and how markets behave.
Figures assume contributions stay level and charges stay constant and take no account of tax, tax relief, the State Pension or your personal circumstances. Full cashflow modelling for a client is a far more detailed exercise carried out as part of regulated advice. For a plan based on your actual position, please speak to one of our advisers.
Fernleigh Wearden & Company Ltd is authorised and regulated by the Financial Conduct Authority.
Tell us when suits and one of our advisers will call you back — we reply by the end of the next working day. No cost, no obligation and we'll do everything we can to keep you with the same adviser throughout.
What a full model includes
We work from what you really spend rather than a rule of thumb, because that is the number everything else depends on.
How income is drawn changes the tax due. Your State Pension entitlement and start date form part of the picture.
A house sale, an inheritance, helping a child with a deposit, a new car every five years.
What happens if markets fall sharply in the first years of retirement — the risk that does most damage.
Modelling two years of care, or ten and seeing whether the plan still holds.
Couples have two sets of allowances, two State Pensions and two life expectancies. Modelling them together changes the answer.
Often relevant alongside this
Turning “am I alright?” into a date you can plan around.
Read more Often nextFind what you already hold before modelling what it supports.
Read more Worth readingFree introductory call, then everything set out plainly.
Read moreCommon questions
A year-by-year projection of your money for the rest of your life. It takes what you have, what you are adding, what you will spend and what you will receive and shows whether the money lasts. It is the single most useful exercise in financial planning and the one most people have never had done.
No. It is an illustration using standardised growth assumptions and it deliberately ignores tax, the State Pension and your personal circumstances. It is a useful way to get a feel for the scale of things. A real model is a far more detailed exercise carried out as part of regulated advice.
They are standardised rates of 2%, 5% and 8% a year, in line with the approach used for regulatory projections, with charges deducted. They are assumptions chosen for illustration — not a forecast and not based on the past performance of any fund we recommend.
Because charges are the one part of an investment outcome you can genuinely control. Growth is not in anybody’s gift. Showing what charges take out over time is both a regulatory requirement and, we think, the most useful thing on the chart.
The first conversation is free. Full modelling forms part of our advice service — our charges are set out on the costs page and we will always agree them with you before starting.
At least annually and whenever something significant changes. A model built once and never updated is a snapshot rather than a plan.
Our services
Advice areas overlap. Part of our job is spotting which ones actually apply to you.
Tell us when suits and an adviser will ring you back. The introductory call is free.
